Toyota RAV4 Hybrid Insurance Rates

Average insurance rates for a Toyota RAV4 Hybrid are $1,198 a year including full coverage. Comprehensive insurance costs on average $250 each year, collision insurance costs $424, and liability costs $388. A policy with just liability insurance costs as little as $434 a year, and coverage for high-risk drivers costs $2,584 or more. Teens receive the highest rates at up to $4,498 a year.

Average premium for full coverage: $1,198

Rate estimates by individual coverage type:

Price estimates include $500 deductible amounts, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and RAV4 Hybrid models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how your location can change car insurance rates.

These examples highlight why all drivers should compare rates based on a specific location and risk profile, instead of using averaged prices.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below breaks down average Toyota RAV4 Hybrid insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $694
• Drivers who choose higher $1,000 deductibles will pay around $154 every year
• The average rate for a 40-year-old driver with $500 deductibles is $1,198
• Selecting low deductibles for comprehensive and collision insurance will cost an extra $294 every year
• Higher-risk drivers with serious driving violations could pay upwards of $2,584
• The cost for full coverage for a teen driver may cost $4,498 a year

View Chart as Image

Insurance rates for a Toyota RAV4 Hybrid can also vary considerably based on your driver profile, the model of your RAV4 Hybrid, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles may pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $4,400 a year. View Rates by Age

Where you live makes a big difference in Toyota RAV4 Hybrid insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,710 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $450 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $349 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,400 to $2,000 additional per year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 130% more than the average policy. View High Risk Driver Rates

How to Find Cheaper Toyota RAV4 Hybrid Insurance

Saving money on car insurance not only requires having a good driving record, but also having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Invest the time to shop around at every policy renewal by quoting rates from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The next list is a condensed summary of the data illustrated above.

• Policyholders who require increased levels of liability coverage will pay approximately $430 per year to go from a minimum limit to 250/500 limits
• You may be able to save as much as $140 per year just by quoting online in advance
• Increasing deductibles can save around $450 each year
• Drivers age 20 and younger pay higher rates, as much as $375 per month including comprehensive and collision insurance